Lexus GS 350 Insurance Rates

U.S. average insurance rates for a Lexus GS 350 are $1,262 a year for full coverage. Comprehensive insurance costs on average $270 each year, collision costs $466, and liability costs $390. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing $2,728 or more. Teenage drivers pay the highest rates at $4,708 a year or more.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and GS 350 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $725
• Drivers who choose higher $1,000 deductibles will pay around $170 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,262
• Using low deductibles for comprehensive and collision insurance will cost an additional $320 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,728 or more
• The price that insures a teen driver may cost $4,708 a year

View Chart as Image

Car insurance prices for a Lexus GS 350 are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Lexus GS 350 insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $490 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Lexus GS 350 Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a brief summary of the information covered above.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Teen drivers are expensive to insure, with premiums as much as $392 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $500 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,470 more each year to insure their GS 350
• Policyholders who require more liability coverage will pay an extra $430 each year to go from a low limit to the 250/500 level